Financial education

If you still associate YouTube with makeup tutorials and gaming streams, it’s time for an update. In 2025, YouTube is one of the most trusted platforms for in-depth financial education—where millions of viewers, especially Millennials and Gen Z, go to learn how to budget, invest, build credit, and escape the paycheck-to-paycheck cycle.

Unlike TikTok’s finfluencers snappy 60-second bursts, YouTube’s longer format offers something different: space. Space to break down complex topics. Space to tell personal stories. Space to go beyond “what to do” and dive into the “why.” And leading that charge are YouTube’s top financial influencers—creators who turn economic anxiety into financial empowerment.

Many of these finfluencers are Millennials. Now in their 30s and 40s, they’ve lived through the 2008 recession, student debt crises, the rise and fall of crypto, and post-pandemic inflation. They’ve made mistakes, figured things out, and now they’re sharing what they’ve learned in 15-minute explainers and hour-long deep dives. Gen Z, now in their teens and twenties, is listening—and watching.

Credentials help. So does storytelling. But the real superpower of these YouTubers is their ability to make money talk feel less intimidating and more human. They cover topics ranging from the basics of building an investment portfolio to nuanced takes on trading vs. investing—making sure their audiences understand the difference between short-term risk and long-term strategy. Here’s a look at the top financial influencers on YouTube in 2025—and why their videos are worth adding to your watchlist.

Graham Stephan – 4.6M Subscribers

A former real estate agent turned full-time content creator, Graham Stephan is now a cornerstone of YouTube’s personal finance ecosystem. With videos that range from real estate investing to credit card strategies, Graham blends relatable storytelling with data-driven insights. His approachable style resonates with both first-time investors and financially savvy viewers looking to optimize their money habits. His most-viewed video, “How I Bought a Tesla for $78 Per Month,” has gathered over 10 million views and exemplifies his ability to make complex financial maneuvers accessible and entertaining.

Andrei Jikh – 2.3M Subscribers

A former magician turned finance creator, Andrei Jikh brings precision and flair to his breakdowns of dividend investing, crypto, and market psychology. His unique blend of visual storytelling and financial analysis helps viewers understand the mechanics behind wealth building with remarkable clarity. His video “How I Made $100,000 in Dividends in One Year” has drawn 6.8 million views, showcasing his skill for turning long-term strategies into compelling content, especially when it comes to investing in the S&P 500.

Tiffany Aliche (The Budgetnista) – 700K+ Subscribers

Tiffany Aliche’s channel is a beacon of empowerment, especially for women and people of color. A former preschool teacher turned bestselling author and financial educator, she delivers powerful budgeting lessons with warmth and clarity. Her video “How I Saved $40,000 in 2 Years on a Teacher’s Salary,” viewed over 3.2 million times, demonstrates how she turns personal triumphs into universal lessons on financial resilience. Her advice often speaks to those navigating the gig economy, offering practical steps for freelancers and part-time workers to gain control over their finances.

Mark Tilbury – 2.5M Subscribers

British businessman and self-made millionaire Mark Tilbury is known for his blunt, fatherly tone and real-world experience. His channel is a masterclass in generational wealth, investing fundamentals, and business ownership. In his most-watched video, “18-Year-Old vs 30-Year-Old: Who Wins at Investing?” (5.4 million views), he uses age-based investing scenarios to highlight the power of early financial literacy and understanding the long-term benefits of a diversified investment portfolio.

Minority Mindset (Jaspreet Singh) – 1.7M Subscribers

Jaspreet Singh combines street smarts with financial savvy to help viewers rethink traditional wealth-building paths. His high-energy delivery and deep dives into topics like inflation, housing bubbles, and side hustles make complex ideas digestible for all. His standout video, “How the Rich Use Debt to Get Richer,” has racked up 7.5 million views and serves as a bold primer on the mindset shift he champions—especially for younger audiences caught between the promises of TikTok finfluencers and the realities of long-term wealth planning.

Tae Kim (Financial Tortoise) – 300K+ Subscribers

A minimalist at heart, Tae Kim’s content feels like a breath of fresh air. His calm, deliberate delivery centers around long-term investing, frugal living, and financial independence. In “How I Retired Early with a Government Job”—his most popular video with 1.1 million views—he outlines the quiet but powerful financial strategies that led to his own independence.

Rose Han (Investing with Rose) – 500K+ Subscribers

With experience on Wall Street and a deep passion for financial literacy, Rose Han helps viewers build confidence in investing. She offers step-by-step guidance on ETFs, risk management, and goal setting—all while maintaining a personal and accessible tone. Her top video, “Investing 101: A Beginner’s Guide to the Stock Market,” has 2.4 million views and remains a go-to introduction for novice investors building their first investment portfolio.

Nate O’Brien – 1.3M Subscribers

Nate O’Brien champions slow living, minimalism, and financial independence. His videos often explore FIRE, passive income, and the psychology of spending with a grounded and introspective vibe. His most-watched video, “How to Retire in Your 30s,” has garnered 4.7 million views and encapsulates his ethos of building wealth with intentionality rather than chasing the quick wins often hyped in trading vs. investing debates.

Erika Kullberg – 1M+ Subscribers

With a background in law and viral fame on TikTok, Erika Kullberg uses her platform to decode legal and financial fine print. Her YouTube videos go deeper, offering consumer protection tips and revealing money-saving hacks most people miss. Her most-viewed piece, “10 Hidden Benefits of Your Credit Cards,” with 6.1 million views, blends legal savvy with practical advice that feels empowering rather than overwhelming.

Kelvin Learns Investing – 600K+ Subscribers

Kelvin’s straightforward, down-to-earth tone has helped him grow from a regional creator in Singapore to an international voice in personal finance. His lessons often come from his own mistakes, making his advice feel honest and accessible. That honesty shines in “How I Lost $20,000 in the Stock Market,” a candid video that has reached 1.9 million viewers and highlights the value of learning from failure as well as success.

In 2025, financial literacy isn’t coming from classrooms or corporate handbooks. It’s coming from financial influencers—people who have lived through uncertainty and want to help others make sense of it. For Gen Z and Millennials trying to build a better future, these finfluencers are more than influencers. They’re mentors, motivators, and mindset-shifters.

If you still think TikTok is just for dance trends and Gen Z humor, think again. In 2025, it’s one of the most powerful platforms for financial education, with millions of users turning to 60-second videos for advice on budgeting, investing, and building generational wealth. And behind the app’s endless scroll lies a new wave of social media content creators—finfluencers—who are reshaping how younger audiences learn about money.

What’s particularly interesting is who these creators are. Almost all of them are Millennials—now in their late 20s to early 40s—old enough to have navigated real-world financial hurdles, yet young enough to speak fluently in TikTok’s fast-paced, informal style. They’re bridging the gap between experience and relevance, turning years of hard-earned lessons into content that clicks.

Their followers are often even younger. Gen Z, now between the ages of 13 and 28, makes up a huge share of the platform’s user base and is hungry for relatable, digestible advice. They want someone who understands what it means to graduate into a shaky economy or hustle in a gig-driven job market. And they’re finding that guidance not from textbooks—but from TikTok.

Some of these creators bring credentials, others bring charisma, but they all share one thing: the ability to turn complex financial concepts into bite-sized, binge-worthy content. Here’s a look at the top financial influencers on TikTok in 2025—and how they’re helping a new generation make sense of money.

1. Erika Kullberg (@erikakullberg) – 9M Followers

A former lawyer turned content powerhouse, Erika Kullberg , a 36-year-old Millennial is best known for her viral “Did you know?” videos that break down consumer rights, credit card fine print, and financial hacks. Her legal background adds authority, but it’s her delivery—calm, concise, and empowering—that keeps her audience hooked. For Millennials navigating adulthood’s financial pitfalls, Erika speaks their language: practical, protective, and smart.

2. Humphrey Yang (@humphreytalks) – 3.3M Followers

If you’ve ever wanted a financial concept explained using candy or cardboard cutouts, you’ve probably seen Humphrey Yang, a 36-year-old Millennial. He’s mastered the art of simplifying investing, taxes, and inflation in under a minute. As a Millennial who has lived through the 2008 crisis, the crypto boom, and post-pandemic inflation, Humphrey bridges generations—speaking to Gen Z with Millennial realism.

3. Tori Dunlap (@herfirst100k) – 2.4M Followers

Tori Dunlap, a 31-year-old Millennial doesn’t just talk money—she talks mission. With a platform built around financial feminism, her TikToks empower women to negotiate, invest, and break free from paycheck-to-paycheck cycles. Her perspective resonates especially with younger Millennials and older Gen Zs who value financial independence as a form of activism.

4. Caleb Hammer (@calebhammercomposer) – 2M Followers

Caleb Hammer, a 29-year-old Millennial brings the hard truth. Think of him as TikTok’s financial accountability coach—calling out bad spending habits and encouraging viewers to face their financial reality. His age puts him at the tail end of the Millennial spectrum, yet his tone and style click with Gen Z’s craving for authenticity over fluff.

5. Seth Godwin (@seth.godwin) – 1.8M Followers

Seth Godwin, a 35-year-old Millennial blends humor with real advice, offering a distinctly Millennial perspective on everything from credit scores to student loans. His content often goes viral thanks to its emotional resonance and Gen Z-friendly style, but it’s rooted in the lived experience of a generation burdened with debt and economic uncertainty.

6. Taylor Price (@pricelesstay) – 1.1M Followers

One of the youngest on this list, Taylor Price, a 25-year-old member of Gen Z represents the true Gen Z voice of personal finance. Her TikToks emphasize financial literacy, stock investing, and side hustles, all tailored to an audience that grew up during economic chaos. She makes finance aspirational without being out of reach.

7. Vivian Tu (@yourrichbff) – 1M Followers

Vivian Tu, a 31-year-old Millennial delivers sharp, confident, and refreshingly honest TikToks—fitting for someone who left Wall Street to become one of the most recognizable financial creators online. Her delivery is fast and savvy, echoing the style of her peers but with an insider’s edge. She bridges Millennial financial anxiety with Gen Z’s hunger for clear, actionable advice.

8. Steve Chen (@calltoleap) – 1M Followers

Steve Chen, a 35-year-old Millennial built his brand around his journey to financial freedom. A former engineer turned entrepreneur, he shares advice on side hustles, investing, and minimalist money habits. His Millennial mindset—shaped by recession, housing bubbles, and the gig economy—is embedded in every tip he gives.

9. Jasmine Taylor (@baddiesandbudgets) – 1M Followers

Jasmine Taylor, a 34-year-old Millennial made “cash stuffing” cool. Her budgeting method, rooted in old-school envelope systems, has sparked a viral movement among financially anxious Gen Zs and debt-conscious Millennials alike. Her story—from struggling with debt to building a business—is both relatable and aspirational.

10. Kenny (@kenny.finance) – 220K Followers

Though newer to the scene, Kenny, a 28-year-old on the Millennial–Gen Z cusp is quickly gaining traction for his no-nonsense videos on budgeting and wealth-building. As a Millennial speaking to a younger crowd, his mix of calm realism and motivational tone hits the right balance for those feeling overwhelmed by money.

More than just the messenger, the medium matters. TikTok’s short-form format has forced a shift from traditional financial education (think seminars and spreadsheets) to sharp, fast, and visual storytelling. This works especially well for younger viewers who might never read a finance blog—but will happily absorb 30 seconds of advice on saving $100 a week.

Finfluencers in 2025 aren’t just educators. They’re entertainers, therapists, big siblings, and reality-check machines all rolled into one. The best among them don’t just share tips—they teach mindset. And for generations who often feel left out of the financial system, that mindset shift can be everything.